Climate Risk Summary

Zip Code 03293, Risk Profile

The primary drivers of climate-related financial risk in Unincorporated, NH (03293) are Inland Flooding, Landslide, and Hurricane. This area also faces an unusually high intensity for Winter Weather compared to national averages.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$1,192,499

Expected Annual Loss for Zip Code 03293

98.3Score

Very High compared to US average

03293
Minimal Estimated LossMax Estimated Loss

Landslide

$60,812

Expected Annual Loss for Zip Code 03293

99.7Score

Relatively High compared to US average

03293 (OUTLIER)
Minimal Estimated LossMax Estimated Loss

Hurricane

$40,069

Expected Annual Loss for Zip Code 03293

78.2Score

Relatively Low compared to US average

03293
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,192,499
Score: 98.3
MAJOR DRIVER
Landslide
$60,812
Score: 99.7
MAJOR DRIVER
Hurricane
$40,069
Score: 78.2
Cold Wave
$21,369
Score: 52.1
Earthquake
$10,870
Score: 48.5
Lightning
$9,775
Score: 75.2
UNUSUALLY HIGH
Winter Weather
$8,883
Score: 94.0
Strong Wind
$6,594
Score: 50.4
Avalanche
$6,448
Score: 68.3
Ice Storm
$5,055
Score: 75.8
Tornado
$4,885
Score: 25.8
Heat Wave
$1,584
Score: 5.0
Hail
$983
Score: 33.1
Wildfire
$216
Score: 60.9

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 98.3
⛰️High Investment

Landslide Mitigation

Professional slope stabilization and foundation drainage inspection is highly recommended.

Risk Score: 99.7
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 78.2
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 94.0

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 03262Zip Code 03285Zip Code 03251Zip Code 03215Zip Code 03223Zip Code 03279